The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,951
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,323
−HK$377/mo
Today · 4.125%
HK$12,700
baseline
▲ 0.50% · 4.625%
HK$13,473
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,400/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,295
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,652
−HK$362/mo
Today · 4.125%
HK$14,014
baseline
▲ 0.50% · 4.625%
HK$14,752
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,028/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,341
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,787
−HK$453/mo
Today · 4.125%
HK$15,240
baseline
▲ 0.50% · 4.625%
HK$16,168
+HK$928/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$30,480/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,954
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,382
−HK$434/mo
Today · 4.125%
HK$16,816
baseline
▲ 0.50% · 4.625%
HK$17,703
+HK$887/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$33,632/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,731
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,252
−HK$528/mo
Today · 4.125%
HK$17,780
baseline
▲ 0.50% · 4.625%
HK$18,862
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,560/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,613
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,113
−HK$506/mo
Today · 4.125%
HK$19,619
baseline
▲ 0.50% · 4.625%
HK$20,653
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,238/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,512
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,181
−HK$680/mo
Today · 4.125%
HK$22,861
baseline
▲ 0.50% · 4.625%
HK$24,252
+HK$1,391/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,722/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,931
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,573
−HK$651/mo
Today · 4.125%
HK$25,224
baseline
▲ 0.50% · 4.625%
HK$26,554
+HK$1,330/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,448/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,924 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).